Effective Date: July 12, 2024
This Privacy Policy ("Policy") outlines the privacy practices of MiCash360 ("MiCash360," "we," "us," or "our"), a service provided by MiCash360 (Pty) Ltd, a South African company registered with number 2021/124114/07 (referred to as the "Solution Provider," "we," or "us"). Our solution is enabled by MiCash360 (Pty) Ltd, a South African company with registration number 2021/124114/07, that acts as an Operator as defined in the Protection of Personal Information Act, 2013 (POPIA), and handles all personal information in accordance with this privacy policy. We are dedicated to safeguarding the privacy of all visitors ("Visitors") to our website, MiCash360 (the "Website"), as well as all individuals and merchants ("Users") who have subscribed to any of the services we offer ("Services").
If you have any questions or concerns about our privacy policy or practices, please contact us via telephone at +27 82 873 6040 or email at support@MiCash360.co.za. By using our Website, downloading our App, or subscribing to any of our Services, you agree to accept all the provisions outlined in this Policy. If you do not agree with any part of this Policy, please refrain from using our Website, App, or Services.
You must be at least 18 years old or possess the legal capacity to enter into binding contracts to access the Website, App, or use the Services. We do not intend to collect or process any personal information from individuals under 18 years of age.
By accepting this Policy, you acknowledge that you have read and agreed to all its provisions.
We reserve the right to amend this Policy at any time by posting a revised version on our Website and App. The revised version will take effect for Visitors immediately upon posting. However, Users will be given prior notice of any such revisions through the "Policy Updates" page on the Website or by requiring Users to accept the new terms within the App. If a User is not satisfied with the changes, they may terminate the subscribed Services.
As a Visitor or User, you consent to the electronic collection, storage, and use of the following categories of information for the purposes specified in section 2.3 below:
2.1.1 Usage Details: This category includes internet usage information, such as your Internet Protocol address ("IP Address"), browsing habits, click patterns, unique user ID, software version, system type, screen resolutions, color capabilities, plug-ins, language settings, cookie preferences, search engine keywords, JavaScript enablement, content and pages you access on the Website or App, dates and times of your visits, paths taken, and time spent on sites and pages within the Website or App.
2.1.2 Required Details: Information needed for transactions initiated by you.
2.1.3 Optional Details: Additional information voluntarily provided, such as demographic details or information related to your favorite social networking site, participation in competitions, promotions, surveys, and other additional services.
2.2.1 Voluntarily Provided by You: Required and Optional Details can be submitted by you when using our services, downloading/uploading content, participating in competitions, taking advantage of promotions, responding to surveys, registering, subscribing to additional services, or using optional features and functionality of the Website or App. Please note that the provision of Required Details is essential for us to provide services to you.
2.2.2 Automatically Gathered via Various Technologies:
2.2.2.1 "Cookies" Information: When you access the Website or App, we may send cookies to your device to collect certain Usage Details. These cookies may be session cookies (disappear after closing your browser) or persistent cookies (remain after closing your browser but can be removed manually).
2.2.2.2 Other Tracking Technology: We may automatically collect Usage Details through various tracking technologies when you access the Website or App or open HTML emails or message links.
2.2.2.3 Web Beacons: Our Website may contain web beacons that count page views and access cookies, helping us compile anonymous information about Website and Service usage. These web beacons do not collect personally identifiable information.
2.3.1 We use Required Details to provide the services, verify identity, comply with legal obligations, share with service providers and licensors to administer accounts, provide customer support, and enforce legal rights.
2.3.2 We may use Optional Details for purposes as indicated at the time of your agreement to provide such information.
2.3.3 Usage Details are used to provide the latest App version, remember your information for convenient access, monitor Website usage metrics, and track your participation in promotions and activities.
Please note that some third-party business partners may use their own cookies or widgets on our Website, which are governed by their respective privacy policies.
If you are a User, we may collect, store, and use the following information:
3.1.1 Personal Details: Name, surname.
3.1.2 Contact Details: Mobile number and email address.
3.1.3 Payment User Data: Additional information required to facilitate or process a payment transaction.
Personal and Contact Details are provided directly to us by the Merchant from which you are buying goods or services or donating to, or by the User during the process.
We use User-provided information to operate, enhance, and provide features of the Services. Specifically:
3.3.1 Personal Details are used to identify Users, manage User Accounts, and administer service usage.
3.3.2 Contact Details are used to send service-related notifications, inform Users about updates or content, address copyright infringement, and provide information about competitions, promotions, and special offers.
3.3.3 Payment User Data is used to initiate and process payments to the merchant.
4.1 Personal information of Users and Visitors is stored and processed on cloud-based servers protected by firewalls and data encryption, such as AWS (Amazon Web Services) and Azure. The App does not store data on mobile devices and communicates with cloud servers through Secure Socket Layers (SSL). Access to personal information is authorized only for employees with job responsibilities requiring access.
4.2 Do not disclose your account password to anyone and be cautious of unsolicited requests for your password or PIN. You are responsible for maintaining the confidentiality of your unique password, account information, and linked bank account information.
4.3 If you are a legal entity and not an individual, we will liaise only with your named contact or alternative contact provided by your named contact.
5.1 We may share personal information with:
5.1.1 Other companies within our corporate group to provide joint content and services, detect illegal acts, and guide product decisions. These companies use information only for marketing communications if you request their services.
5.1.2 Service providers under contract for business operations (e.g., fraud prevention, marketing, technology services) who use information for services provided to us.
5.1.3 Universities, retailers, service providers, and financial institutions with whom we partner to create and offer products and services. These organizations may use information to market products related to MiCash360 with your consent.
5.1.4 Companies we plan to merge with or be acquired by. In such cases, the new entity will be required to adhere to this Policy regarding your personal information, and you will receive prior notice.
5.1.5 Law enforcement, government officials, fraud detection agencies, or other third parties when compelled by a subpoena, court order, legal procedure, or to comply with the law, prevent physical harm or financial loss, report suspected illegal activity, or investigate violations of this Policy.
5.1.6 Banks and financial institutions to verify the details of Users and provide services.
6.1 We retain your personal information for as long as necessary for business purposes, as required by law, or until you request deletion (as permitted by law). Upon expiration of the retention period, personal information will be deleted or anonymized.
6.2 When a User terminates their account, we retain personal information for legal, regulatory, and compliance purposes. After the expiration of these periods, personal information will be deleted or anonymized.
If you have any questions or concerns about this Policy, please contact us at support@MiCash360.co.za or +27 82 873 6040.